Wednesday, September 19, 2012


"torture (tor' cher), n., v., -tured, --n. 1. the act of inflicting excruciating pain, as punishment or revenge, as a means of getting a confession or information, or for sheer cruelty. 2. a method of inflicting such pain. 3. Often, tortures. the pain or suffering caused or undergone. 4. extreme anguish of body or mind: agony. 5. a cause of severe pain or anguish. --v.t. 6. to subject to torture. 7. to afflict with severe pain of body or mind: My back is torturing me. 8. to force or extort by torture: We'll torture the truth from his lips! 9. to twist, force, or bring into some unnatural position or form: trees tortured by storms. 10. to distort or pervert (language, meaning, etc.)..."
The Random House Dictionary of the English Language
(Second Edition Unabridged)

Wells Fargo should be tried in The Supreme Court for Torture! That's my informed opinion and I'm sticking to it!!

Since March of this year, I have been dealing unsuccessfully with scores of Wells Fargo employees and robots in an earnest attempt to engage in a serious conversation about restructuring my mortgage: an interest only loan on $450,000. at 6.25 percent. I'm neither "upsidedown" nor "underwater"---at least not yet. I am simply (?) one of a million or more people who has gotten caught in a tough financial place, during the economic shenanigans of the last few years.

"Yes, I will verify my address...Yes, I plan to keep my house...No, there are no other phone numbers where I can be reached...Yes, I'm aware that this conversation may be recorded...The last four digits of my social security number are XXXX...Yes, I am aware that this phone call is an attempt to collect a debt..."

Before a conversation of any kind can begin, one must endure the unavoidable drill. One cannot push a button and detour to an individual who can actually be of assistance! First, answer all the questions--over and over again. It doesn't matter if you are calling to speak with your assigned specialist and you have the extension number. Nor does it matter if you have answered the telephone and then hung on in dead space until (finally) a representative---tied to a script with strict rules--begins to speak. One must complete the drill.
In my opinion, whoever designed the Kafka-esque Wells Fargo "phone-procedure-to-nowhere" should be forced to sit, Clockwork Orange-style, in front of a big screen, with earphones at top volume, while the millions of mothers, fathers, couples, grandparents, small business people and individuals who have felt victimized, tortured or destroyed by the Wells Fargo fake re-finance process tells his or her tale. This turn-about-torture would be a life sentence!
It is possible (eventually) to get to a real live mortgage modification specialist. And, if you are the financially-strapped homeowner, you can engage in a long and momentarily hopeful conversation with said specialist about your situation and your intentions. However, the conversation will--inevitably--go nowhere.
As part of the mortgage modification plot of the mega-bank, the WF "mortgagee" will be given a list of documents to submit. The troubled homeowner will then be assured, by their assigned home preservation specialist that, once the paperwork has been submitted and reviewed, the distressed homeowner will be re-contacted in order to continue the process of saving his/her home. And, if you are that troubled homeowner, you will wait...and wait...for that specialist to call you. You may attempt to call the specialist. But you will be disappointed. You will fail.
My first "specialist' a pleasant man named Rob gave me the list of required documents . I dutifully assembled bank statements, income tax returns, a "hardship letter" and other special downloadable forms...I faxed them from a Wells Fargo Bank. And I waited. During the next month, I answered the routine "robo" collection calls. When I reached a live person, I asked to be connected to my specialist. This was not possible, I was told, without enduring the tedious, demeaning drill. Each time, I made note of the names of all the representatives along with their identification numbers. A month after my one and only conversation with Rob, I received a dated form letter from him saying that it had been good to speak with me that day. He was sorry we couldn't find a solution. In truth, I had not spoken with him.
So I ranted. I raved at the various WF phone clones who maintained that Rob had made ten calls to me and that I had not responded. (Liar, Liar, pants on fire!).
Perhaps it was an accident, I thought. A misunderstanding. And so, I re-entered the mortgage modification program. This time a new specialist, with a different name and an equally cordial demeanor, requested updated and additional documents. I complied. Same results. All the while, the collection people called daily. Before I could tell them that I was sincerely and actively with the special program, I was compelled to endure the drill...
"Fool me once, shame on you..."They fooled me more than three times! I went to a lawyer. The lawyer sent a strong letter--return receipt requested. No response. The collection calls continued.
There's more...but I am getting frustrated recounting it.
What I know is that Wells Fargo has no intention of dealing with me. It's possible that they do not even own my mortgage. Perhaps they hope to "steal" my house. I know I complied in good faith---like millions in similar situations have complied. We are held captive by their sinister, unethical, borderline-criminal actions.
No matter how many times I tell my story (recall, if you will, the hapless Mariner in Coleridge's poem) there will be no relief; no solution. Now I understand--finally. Torture!
This is torture. Luckily, I am a strong woman. However, my heart goes out to those who are not so strong; those who are stuck or scared, or sick or angry or finally without hope; those who strut and fret their sad hours upon the stagecoach in the torturer's logo...We must be heard! It must be known: Wells Fargo engages in torture!! Who will stop them from their insidious, mobius strip-like device of endless cruel and unusual punishment!

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